My Happy Money Journey with Phoebe Blamey

S3_E33 The Midlife Crisis No One Warned Us About

By choice or by chance, our lives change in our 40s and 50s. Kids grow up. Parents age. Relationships fracture. Careers stall. Suddenly, we’re carrying everyone — emotionally, financially, physically — and nobody seems to notice that we’re drowning.
This episode is raw and real.I’m digging into what it really feels like to be a woman in the thick of it: invisible, exhausted, expected to hold it all together… while secretly falling apart.
What do we do when it all falls apart, because we were meant to be the generation that had it all!! Instead we are getting divorced, losing our jobs and finding ourselves with no real plan. This is the emotional and financial burden we don't talk about. But we need to.
Because here’s the truth: You are not lazy. You are not crazy. You are not alone.And you are not out of options.
💥 In this episode, we talk about:
Why midlife is hitting women harder than ever before
The trap of being the default caregiver — even when we’re crumbling
Domestic violence, adult children, ageing parents, and financial burnout
The uncomfortable but necessary steps to start putting yourself first again
Transition-to-retirement strategies, Centrelink options, and topping up super
How curiosity beats defeat — especially when you're rebuilding your life
🔧 Resources & Support
Free Workbook: My Mindful Money Journey
30-Day Spend Cleanse: Join Now
💛 Join the Community:
Instagram: @thehappymoneyjourney
Facebook Group: Happy Honeys
📢 Want more?
If this episode hit home, share it with a woman you love. Rate, review, and subscribe — it helps get this message to more women who need to hear they’re not alone.

S3_E32_Making Tax Time Work For You

It’s that time again — the ATO wants a date, and you’ve got receipts (somewhere, probably…). But what if we told you tax time isn’t just a necessary evil? It’s actually a chance to get financially fierce and turn your spring clean into a wealth strategy.
In this empowering episode, Phoebe breaks down:
Why tax time is your secret weapon for building wealth
How to rethink deductions (it’s not just about work expenses)
The truth about tax myths that keep women playing small
How to use this time to spot leaks, set goals, and invest smart
A mini pep talk about claiming your worth (because YES, you can pay less tax and still sleep at night)
Whether you're a side hustler, small biz owner, PAYG employee, or just tired of financial fog, this episode has something for you.
💥 No dry ATO speak. Just practical, powerful steps to take control of your money narrative — minus the shame spiral.
🔗 Links Mentioned
📥 Grab your FREE 30-Day Spend Cleanse Plan
📚 Read The Happy Money Journey Book
🧠 Join the 30 Day Spend Cleanse
🎉 Work with Phoebe 1:1 or in group coaching
💛 Join the Happy Honeys Facebook Group
🎧 Listen to more episodes
🧵 Timestamps
00:00 – Welcome to the power of tax time02:40 – Why women are overpaying and under-claiming07:30 – How tax can be part of your abundance plan12:15 – The mindset shift: receipts are data16:00 – Deductions decoded: what you might be missing18:30 – Next steps: reclaim your financial power

S3_E31 What you don't know about property with Antionette Sagaria

Buying a home can be overwhelming — especially when life is messy. What if you’re going through a divorce? What if you’ve inherited a property? What if you just don’t know where to start?
Enter Antoinette Sagaria, powerhouse Buyer’s Advocate at Entourage Property. In this episode, she reveals how to make smarter, calmer, and far more strategic property decisions — no matter where you’re at on your journey.
From first‑time buyers finding their feet, to those starting over after separation, Antoinette takes the emotion out of buying and selling. You’ll learn why having a trusted advocate can save you money, time, and heartache, how to align your expectations with the reality of the market, and why every dollar you invest needs to work harder for you.
This one’s an absolute must‑listen for anyone dreaming of financial freedom through property — because buying well is how we build generational wealth.
Listen now and get ready to rewrite your own property story.
⏱️ Timestamped Show Notes:
[00:00] Introduction & Acknowledgement of CountryWelcome to My Happy Money Journey, Phoebe Blamey acknowledges traditional owners and sets the scene for this episode.
[01:00] Meet Antoinette Sagaria — Buyer’s Advocate at Entourage PropertyHow Antoinette guides clients through buying, selling, and property management, focusing on making property a holistic part of their life.
[03:00] Property & Family DynamicsAntoinette shares her experience with family dynamics, succession planning, and renovations — making sense of inherited properties.
[06:00] Property Advice & FinanceWhy working with a Buyer’s Advocate from the start can save heartbreak down the track, especially in divorce or separation scenarios.
[08:00] Setting Realistic Property ExpectationsHow Antoinette helps couples align their ideas about what to buy and where — making sure the search is a match for the market.
[10:00] Helping First‑Time Buyers & Divorcing CouplesWhy guidance is critical when starting fresh after separation, and making sure the next chapter is built on solid financial ground.
[14:00] The Role of Property in Generational WealthBuying for long‑term stability, making smart decisions about inherited properties, and looking at the bigger picture of family wealth.
[18:00] Navigating the Sale of a Family HomeWhy an expert advocate can save money and reduce stress when splitting a household post‑divorce.
[22:00] Property as an Asset You Can ControlHow to balance emotion and financial reality when making big decisions about the family home or inherited property.
[26:00] The Importance of Tailored Property AdviceBuying interstate versus in Victoria, making confident decisions, and knowing when and why you might diversify your investments.
[29:00] Final Thoughts and Best AdviceWhy a trusted team of professionals gives you the confidence to create long‑term, generational wealth and a happy money journey.
 
About Antionette:
With over 20 years of Australian property experience to her name, Antoinette Sagaria brings a level of
insight, dedication and an enviable business network in support of her clients.
Antoinette’s success comes from her intrinsic ability to cultivate and nurture relationships. Successfully
advising both buyers and vendors, home seekers and investors, from first time buyers to astute high net
worth individuals and family groups, Antoinette has significant experience in all areas of the property
market.
Whether many years later or immediately after the fact, Antoinette’s clients see her as a source of
valuable property advice. Antoinette has a profound knowledge and interest in architecture, building and
construction which has proved invaluable to clients throughout their property journey.
 
www.linkedin.com/in/antoinette-sagaria-6344463a
https://www.instagram.com/antoinette_sagaria/
www.entourage.com.au
 
 
#BuyingProperty #BuyersAdvocate #FinancialFreedom #PropertyInvestment #PropertyAdvice #DivorceAndProperty #FirstTimeBuyer #InvestmentProperty #WealthBuilding #HappyMoneyJourney #WomenAndWealth #PropertyTips #AustralianProperty #FinancialEducation #RealEstate

S3_E30 It's Not Too Late: Make Superannuation Work For You

💡 Superannuation might not be glamorous, but it’s one of the most powerful tools in your wealth-building toolbox. In this episode of My Happy Money Journey, Phoebe breaks down everything you need to know about super even if you think it's too late!
We talk about the real cost of ignoring your super, how to match your risk profile with your asset allocation, and why even if you’re within 5–10 years of retirement, it’s not too late to take control. Plus, Phoebe shares practical strategies like the transition to retirement pension, the carry-forward contribution rule, and how to audit your super like a boss.
Whether you’re catching up after a career break, planning to wind down work, or just want your super to actually perform, this episode is your permission slip to finally give it some love.
🧭 In This Episode, You’ll Learn:
Why your super is not a set-and-forget savings account
How your risk profile and asset allocation affect your long-term returns
The five main investor types and how to know which one you are
What the accumulation and pension phases of super are—and why they matter
How to use a transition to retirement strategy to save tax and keep your income flowing
The carry-forward rule (aka the catch-up contribution hack) to boost your super and reduce your tax
How to audit your super account: check your investment option, fees, insurance, and contributions
The difference between scraping by and retiring like a queen (yes, it can be that dramatic)
🔑 Key Takeaways:
You can absolutely course-correct your super strategy, even in your 50s and 60s
The “default” super option might be costing you thousands in missed growth
Knowing your investing personality (aka risk profile) helps you make smarter, more aligned decisions
The carry-forward rule is a tax-saving game changer—especially if you’ve had years off
It’s your money. Let’s make sure it’s working for you.
👇 Resources & Links:
Book a Happy Hour Session: phoebeblamey.com.au
Super risk profile tools (check with your super fund or financial adviser)
ATO Superannuation Caps Info: ato.gov.au
More about the Carry Forward Rule: ATO Catch-Up Contributions
💬 Loved This Episode?
Share it with a friend who’s been ignoring their super for years!Subscribe, leave a review, and follow for more real talk on money, mindset, and building wealth your way.
#superannuation #money #moneytips #budget #womenandmoney #podcast

S3_E29 How to Invest

Feeling behind on investing? Wondering if it’s too late, too risky, or just too complicated? In this episode of My Happy Money Journey, I walk you through the exact steps to start investing—no jargon, no pressure. We’ll cover how to choose the right investment types for your age and goals, explain what ETFs, shares, managed funds and index funds actually are, and talk about diversification, risk, and returns.
Whether you’re just getting started or finally ready to make your money work harder than your savings account ever will, this one’s for you.
What You'll Learn:
Why cash is not king when it comes to long-term wealth
What a Big Mac can teach you about inflation
The difference between shares, ETFs, managed funds, and index funds
How to choose investments based on your time horizon (not your anxiety level)
What diversification really means (and why you already have more of it than you think)
How tax works on different investments
Why you should not check your portfolio every day
My real-life story of a $10K investment that’s now worth $6K—and why I’m not panicking
Listener Takeaway:You don’t have to be perfect to be profitable—you just have to be curious and willing to start.
Sponsor:This episode is proudly brought to you by Entourage Finance and Property, helping Australians grow their wealth through home loans, property advocacy and car finance. Learn more at entourage.com.au
 
Disclaimer:The information in this episode is general in nature. For tailored financial advice, please speak with a licensed adviser or financial planner.

S3_E28 How to use debt to build wealth (and joy)!

Welcome to another episode of My Happy Money Journey with Phoebe Blamey! This week, we're lifting the veil on debt and looking at it in a totally new light. Forget the stories of brown rice and Vegemite as you pay off your mortgage—it's time to rethink the "debt is bad" narrative and use it as a tool for building wealth. 🏡💡
In this episode, Phoebe dives into:
The Real Cost of Debt: Understanding the difference between good and bad debt
Using Debt to Build Wealth: How leveraging debt for assets and investments can work for you
Impulse vs Strategy: Why focusing on long-term wealth creation is better than reacting to short-term desires
Home Loans & Car Loans: How strategic debt can create freedom and peace of mind
Smart Money Moves: The benefits of investing, leveraging property, and using debt as part of your wealth-building strategy
Phoebe also shares real-life examples of how using debt wisely can change your financial outlook, and why it's crucial to focus on strategic debt over knee-jerk reactions like impulse buying.
So, let's stop feeling guilty about having debt and start thinking about how to use it to level up in life.
Resources Mentioned:
The Motley Fool article
https://www.fool.com.au/2024/12/02/heres-the-average-asx-stock-market-return-over-the-last-10-years-and-what-it-means-for-the-next-10-years/
Previous episodes on getting debt-free without losing joy, and shifting your mindset around debt#money #moneymindset #debtfree #womenandmoney #wealth #wealthcreation #makemoremoney
🔗 Links:
Motley Fool article
Getting Debt-Free Without Losing Your Joy
Shifting Your Mindset Around Debt
More on Investment Types & Strategy Coming Soon!

S3_E27 How to heal your money wound

Bruised
💥 Episode Summary:If you’ve ever felt like money just slips through your fingers... or worse, like you’re not meant to be wealthy — this episode is for you.
Phoebe gets real about the emotional side of money — the stuff no spreadsheet can fix. We’re diving deep into the four core money wounds that quietly shape the way women save, spend, and sabotage their finances:
The Safety Wound: when you save obsessively but never feel secure
The Worth Wound: when you overgive or undercharge because you don’t feel “ready”
The Avoidance Wound: when you ignore money entirely (but call it being too busy)
The Neglect Wound: when no one ever taught you how to build wealth — and now you don’t know where to start
This is your wake-up call and warm hug rolled into one. You’ll leave with a deeper understanding of what’s been blocking your money journey — and a practical first step to start healing it.
✨ In this episode, Phoebe covers:
Why traditional financial advice falls short for most women
The origin story behind each money wound (and how to spot yours)
Relatable examples that will make you say “Oh my god, that’s me”
One powerful, doable action step for each wound to start your healing today
How healing your money wounds unlocks true financial freedom — on your terms
🔗 Resources & Links:
Grab the free workbook: My Mindful Money Journey
Join the 30-Day Spend Cleanse: Click here
🧠 Quote to remember:
“You are not bad with money. You are a woman healing. And healed women build wealth.”
💬 Love this episode?Leave a review on Apple Podcasts or share this episode with a friend who’s ready to stop avoiding their bank balance and start owning their financial power.

S3_E26 Rewrite Your Money Story: Stop the Shame, Start the Shift

In this episode of My Happy Money Journey, we're getting deep into the story behind the story — your money story. This is the internal script that's been quietly dictating how you earn, spend, save, and feel about money. And let’s be honest, most of it isn’t even yours. It’s inherited. It’s outdated. It’s patriarchal as hell.
Phoebe unpacks how these generational money stories are passed down like cursed heirlooms — through grandma’s hoarded cash, mum’s hidden shopping bags, and your own beliefs about being “bad with money.”We’ll talk about how history (and hysteria) shaped our scarcity, why your super matters more than your star sign, and how to stop repeating financial history that isn’t yours.
Stick around ‘til the end for a special FREE gift to help you get clear, confident, and unapologetically wealthy.
What You'll Learn:
What a money story really is and how it's secretly running the show
Why women are still playing small — and how to stop it
The role of patriarchy, capitalism, and even kitchen roasts in your beliefs
How to identify inherited money myths and rewrite them
The power of taking one empowered action (and what it might be for you)
Special Gift:Get Phoebe’s Money Mindset Journey eBook — your free guide to clearing your money wounds and reclaiming your financial power.[Download Here] https://www.happymoneyjourney.com.au/pl/2147725995
Resources & Mentions:
Risk profile quizzes from licensed financial planners
Check your super fund investment mix
Connect with Phoebe:📸 Instagram: @phoebeblamey📬 Newsletter: Sign up at myhappymoneyjourney.com🎧 Subscribe wherever you get your podcasts

S3_E25 Cash Cushion 101: How to Find Money FAST!

Ever been hit with an unexpected bill, a broken appliance, or a mini disaster that made you think, “How the hell am I going to afford this?” You are not alone—and you’re not powerless. In this episode, I’m diving into how to build a cash cushion that gives you peace of mind and power when life throws a curveball. We’re also getting into some clever, practical ways to find fast cash right now (no, not selling a kidney).
I’ll tell you exactly how I handled an Airbnb nightmare without panic—and why 10-years-ago-me would’ve completely lost it. You’ll walk away with the steps to build your own financial buffer, the confidence to face unexpected bills, and the tools to bounce back with ease when life gets messy.
This episode is sponsored by Entourage Finance and Property – helping Aussies grow wealth through smart home loan lending and expert advice.
In this episode you’ll learn:
What a cash cushion is (and what it’s not)
Real-life story of financial chaos and calm
7+ fast ways to find extra money
How to stop unexpected expenses from derailing you
Why using your cushion isn’t a fail—it’s the flex
Links and Resources:
Claim your unclaimed money: 
Contact these state government agencies to search for other forms of unclaimed money.
ACT: Public Trustee and Guardian for the ACT
New South Wales: Revenue NSW
Northern Territory: Northern Territory Treasury
Queensland: Public Trustee of Queensland
South Australia: SA Department of Treasury and Finance
Tasmania: Tasmanian Department of Treasury and Finance or phone (03) 6166 4188
Victoria: State Revenue Office Victoria
Western Australia: WA Department of Treasury
Learn more about Entourage: https://www.entourage.com.au
DM Phoebe with your Cash Cushion action on IG @phoebeblamey

S3_E24 How to shop smarter - beating the cost of living crisis

Is your grocery bill making you want to cry into your $9 toothpaste? Same. But you don’t have to just accept ridiculous prices as your new normal. In this punchy, practical episode, Phoebe Blamey shares her no-nonsense grocery shopping playbook so you can own your finances, not hand them over every week without thinking.
You'll learn exactly how to:
Plan before you shop to avoid the accidental "10 tins of tomatoes" situation
Ditch unnecessary brand loyalty (same pasta, lower price, smarter choice)
Bulk buy without becoming a Costco hoarder
Outsmart sneaky supermarket tricks (we see you, middle aisle at Aldi)
Make markets your secret weapon for fresher, longer-lasting food
Use sales cycles and discount hacks to get ahead (hello, pet food stockpile)
Make leftovers your new money-saving BFF
Phoebe keeps it real with personal stories, clever hacks, and empowering reminders that your money belongs to you, not Woolies or Coles.Tune in and start shopping like the financially savvy powerhouse you are.
Sponsored by:Entourage Finance and Property — Supporting Australians on their wealth journey. Learn more at entourage.com.au